Landlord insurance in Birmingham, MI
Landlord insurance is built for owners of rental property: the building, owner liability, and lost rental income. An independent agency can compare landlord and dwelling policies across carriers.
Birmingham, MI market figures computed from public licensing records as of 2026-06-10. “Records” reflect each agency’s earliest entry in the licensing file — see how we source data.
Landlords coverage to consider
- Landlord / dwelling property
- General liability
- Loss of rental income
- Umbrella / excess liability
- Flood (where applicable)
- Equipment breakdown
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
The Birmingham rental market
Rental exposure starts with tenants and property values. Here is what the market looks like in Birmingham.
Source: U.S. Census Bureau, American Community Survey 5-year estimates (2020-2024), for Birmingham.
Disaster history in Oakland County
Federal disaster declarations are public FEMA records of the events that have hit Oakland County hardest. They're useful context when deciding which coverages and limits matter here.
Source: FEMA public records (disaster declarations), county-level figures for Oakland County.
Insurance agency records in Birmingham
2 businesses listed from public licensing records. Preferred Agencies are clearly labeled and shown first; other listings are alphabetical. Listings are not endorsements.
Birmingham, MI
License categories: Property & casualty, Agency License (FL). Confirm services with the agency.
In records since 2011 · NPN 16095953 · Public licensing record
Birmingham, MI
License categories: Property & casualty. Confirm services with the agency.
In records since 2021 · NPN 20137109 · Public licensing record
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Renting your home in Birmingham? See renters insurance in Birmingham for coverage of your own belongings and liability as a tenant.
Landlords in nearby markets in Oakland County
Browse nearby markets with enough listed agencies to support a local landlords page.
Frequently asked questions
How many independent agencies can help with landlord insurance in Birmingham, MI?
Public licensing records list 2 insurance agencies in Birmingham, Michigan with broad licensing qualifications relevant to this category, within Oakland County. A broad license does not confirm that an agency offers this specialty or represents multiple insurers. Confirm both directly with the agency.
Can I compare landlord insurance with agencies near Birmingham?
Yes. You can request quotes in Birmingham, or browse Troy, Southfield, Farmington Hills to compare independent agencies in nearby markets in Oakland County.
What happens after I request landlord insurance quotes in Birmingham?
Tell us what you need once. We match your request with one licensed independent agency serving Birmingham. We are not an insurance agency and we do not sell your information into a bidding marketplace.
Is a homeowners policy enough for a rental?
Homeowners policies generally exclude tenant-occupied rentals. A landlord (dwelling) policy is usually the right fit — an agent can confirm.
Does landlord insurance cover lost rent?
Many landlord policies include loss of rental income after a covered loss. Coverage amounts vary, so review the limit with an agent.
Tell us what you need once.
We'll match you with one independent agency serving Birmingham. Your information is never sold or blasted to a list.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.